Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$19,376Cash toward the purchase price.
Closing costs + prepaids$11,178Not just lender fees.
Before credits & paid funds$30,554The complete starting cash picture.
Estimated remaining funds due at closing
$30,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,376.13
Your down payment$19,376.13
Closing costs + prepaids$11,177.80
Total buyer cash needed$30,553.93
Remaining funds due$30,553.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$956.00
Prepaid interest, first (4 days)$247.80
Fees + prepaids$11,177.80
Your down payment is the seller’s equity. You take over the $355,524 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $30,553.93 is due at closing. Uses and sources reconcile at $386,077.80 each. Not a Closing Disclosure.